Method and system for linking transactional data to behavioral and purchase activity based on location

Abstract

A method for providing purchase behaviors based on geolocation and biometric data includes: storing transaction data entries, each entry including data related to a payment transaction including an account identifier, a geographic location, biometric data, and transaction data; receiving a data request, the request including a specific account identifier, a specific geographic location, and biometric data; identifying a subset of transaction data entries where each transaction data entry in the subset includes the specific account identifier and the specific geographic location; identifying purchase behaviors based on the transaction data included in each transaction data entry in the subset and a correspondence between the biometric data in the data request and the biometric data in each transaction data entry; and transmitting the identified purchase behaviors in response to the received data request.

What is claimed is: 
     
         1 . A method for providing purchase behaviors based on geolocation and biometric data, comprising:
 storing, in a database, a plurality of transaction data entries, wherein each transaction data entry includes data related to a payment transaction including at least an account identifier of a plurality of account identifiers, a geographic location of a plurality of geographic locations, biometric data, and transaction data;   receiving, by a receiving device, a data request, wherein the data request includes at least a specific account identifier, a specific geographic location, and biometric data;   identifying, by a processing device, a subset of transaction data entries stored in the database where the account identifier and geographic location included in each transaction data entry in the subset corresponds to the specific account identifier and the specific geographic location, respectively;   identifying, by the processing device, one or more purchase behaviors based on at least the transaction data included in each transaction data entry in the identified subset and a correspondence between the biometric data included in the received data request and the biometric data included in each transaction data entry in the identified subset; and   transmitting, by a transmitting device, the identified one or more purchase behaviors in response to the received data request.   
     
     
         2 . The method of  claim 1 , wherein the plurality of geographic locations are associated with rooms or areas inside of a residential area associated with a consumer involved in the related payment transaction. 
     
     
         3 . The method of  claim 1 , wherein the plurality of transaction data entries are stored in a plurality of account profiles, and each account profile includes data related to a transaction account and includes transaction data entries including a common account identifier associated with the related transaction account. 
     
     
         4 . The method of  claim 3 , wherein
 each account profile further includes a plurality of geographic locations,   each transaction data entry included in each account profile includes a geographic location of the plurality of geographic locations included in the respective account profile, and   each geographic location is associated with a room or area inside of a residence associated with the related transaction account.   
     
     
         5 . The method of  claim 1 , wherein the biometric data includes at least one of: heart rate, respiration rate, blood pressure, movement speed, hydration, and body temperature. 
     
     
         6 . The method of  claim 1 , wherein the one or more purchase behaviors includes one or more propensities to purchase a specific product, a specific type of product, a product associated with a specific manufacturer, a product at a specific merchant, a product at a specific type of merchant, a product during a specific period of time, a product in a specific geographic area, and one or more products having a specific range of transaction amounts. 
     
     
         7 . The method of  claim 1 , further comprising:
 receiving, by the receiving device, a plurality of data requests, wherein each data request includes a different account identifier; and   repeating the identifying and transmitting steps for the different account identifier included in each data request of the plurality of data requests.   
     
     
         8 . The method of  claim 1 , further comprising:
 receiving, by the receiving device, an account request, wherein the account request includes a specific purchase behavior;   determining, by the processing device, if at least one of the identified one or more purchase behaviors corresponds to the specific purchase behavior; and   transmitting, by the transmitting device, the specific account identifier in response to the received account request if the processing device produces a positive determination.   
     
     
         9 . The method of  claim 8 , further comprising:
 receiving, by the receiving device, a plurality of data requests, wherein each data request includes a different account identifier; and   repeating the identifying, transmitting, and determining steps for the different account identifier included in each data request of the plurality of data requests.   
     
     
         10 . The method of  claim 1 , wherein
 the specific account identifier and the specific geographic location and biometric data are received in separate data requests, and   the data request including the specific geographic location and the biometric data are received in response to a transmission, by the transmitting device, requesting the specific geographic location and biometric data.   
     
     
         11 . A system for providing purchase behaviors based on geolocation and biometric data, comprising:
 a database configured to store a plurality of transaction data entries, wherein each transaction data entry includes data related to a payment transaction including at least an account identifier of a plurality of account identifiers, a geographic location of a plurality of geographic locations, biometric data, and transaction data;   a receiving device configured to receive a data request, wherein the data request includes at least a specific account identifier, a specific geographic location, and biometric data;   a processing device configured to
 identify a subset of transaction data entries stored in the database where the account identifier and geographic location included in each transaction data entry in the subset corresponds to the specific account identifier and the specific geographic location, respectively, and 
 identify one or more purchase behaviors based on at least the transaction data included in each transaction data entry in the identified subset and a correspondence between the biometric data included in the received data request and the biometric data included in each transaction data entry in the identified subset; and 
   a transmitting device configured to transmit the identified one or more purchase behaviors in response to the received data request.   
     
     
         12 . The system of  claim 11 , wherein the plurality of geographic locations are associated with rooms or areas inside of a residential area associated with a consumer involved in the related payment transaction. 
     
     
         13 . The system of  claim 11 , wherein the plurality of transaction data entries are stored in a plurality of account profiles, and each account profile includes data related to a transaction account and includes transaction data entries including a common account identifier associated with the related transaction account. 
     
     
         14 . The system of  claim 13 , wherein
 each account profile further includes a plurality of geographic locations,   each transaction data entry included in each account profile includes a geographic location of the plurality of geographic locations included in the respective account profile, and   each geographic location is associated with a room or area inside of a residence associated with the related transaction account.   
     
     
         15 . The system of  claim 11 , wherein the biometric data includes at least one of: heart rate, respiration rate, blood pressure, movement speed, hydration, and body temperature. 
     
     
         16 . The system of  claim 11 , wherein the one or more purchase behaviors includes one or more propensities to purchase a specific product, a specific type of product, a product associated with a specific manufacturer, a product at a specific merchant, a product at a specific type of merchant, a product during a specific period of time, a product in a specific geographic area, and one or more products having a specific range of transaction amounts. 
     
     
         17 . The system of  claim 11 , wherein
 the receiving device is further configured to receive a plurality of data requests, wherein each data request includes a different account identifier, and   the processing device and transmitting device are further configured to repeat the identifying and transmitting steps, respectively, for the different account identifier included in each data request of the plurality of data requests.   
     
     
         18 . The system of  claim 11 , wherein
 the receiving device is further configured to receive an account request, wherein the account request includes a specific purchase behavior,   the processing device is further configured to determine if at least one of the identified one or more purchase behaviors corresponds to the specific purchase behavior, and   the transmitting device is further configured to transmit the specific account identifier in response to the received account request if the processing device produces a positive determination.   
     
     
         19 . The system of  claim 18 , wherein
 the receiving device is further configured to receive a plurality of data requests, wherein each data request includes a different account identifier, and   the processing device is further configured to repeat the identifying and determining steps, and the transmitting device is further configured to repeat the transmitting steps, for the different account identifier included in each data request of the plurality of data requests.   
     
     
         20 . The system of  claim 11 , wherein the specific account identifier and the specific geographic location and biometric data are received in separate data requests, and
 the data request including the specific geographic location and the biometric data are received in response to a transmission, by the transmitting device, requesting the specific geographic location and biometric data.